Updates to your Temporary Cover Enhancements (September 2020)

17 September 2020

In light of the easing of national lockdown restrictions previously brought in due to the outbreak of COVID-19, whilst there may still be an impact on your insurance needs, the issues caused by a full lockdown have reduced. In turn, this affects the enhancements we voluntarily applied to our policies. We have updated the temporary cover enhancements previously applied as detailed below.

COVID-19 Temporary Cover Enhancements to your policy

Please see the updates below applicable from 1/10/20 to all policies.

  • There will be no additional premium for the remaining enhancements
  • We will review the position again prior to the expiry of the deadlines noted below for the remaining enhancements and consider further extensions if we deem this appropriate
  • The remaining enhancements will apply via this Letter of Intent and will apply as if endorsed onto each policy 

Employees working from home – enhancement extended until 30/09/21

As standard most of our policies extend contents cover to include cover whilst away from the premises and/or specifically at the homes of employees.
Where your policy does not already include this cover, the following cover is added:
Contents at employees’ homes
Where your policy does not already provide such cover, your policy is extended to provide cover for contents temporarily removed to the homes of employees due to the COVID-19 outbreak up to a limit of:
• €3,000 any one item;
• A maximum of €5,000 any one employee’s home. 
For Education insurance policies this extension will additionally extend cover to pupils’ and students’ homes.

Liability – health and safety

Resources for employers are signposted by the Health and Safety Authority on their website. As organisations look to different working models for continuity, they also have useful guidance on homeworking and working alone.  
Subject to the terms and conditions of the policy, both Employers’ and Public Liability policies provide an indemnity to the policyholder if they are held legally liable for accidental bodily injury or illness arising in connection with their business.

Premises that are temporarily closed solely due to the COVID-19 outbreak – temporary dispensations will cease on 30/9/20

Buildings that are temporarily closed/no longer in regular use are exposed to different and usually greater risk than occupied premises and premises that are open for regular trading.

Our standard policies define “unoccupied” premises and apply standard restrictions in cover and conditions precedent to cover that need to be complied with. Normally a higher premium is charged on unoccupied premises.

To ensure customers were not unduly penalised for temporary closures solely due to the COVID-19 outbreak the normal terms and conditions applicable to unoccupied premises were not applied to premises that were temporarily closed. 
Temporarily Closed meant premises temporarily closed solely due to the COVID-19 outbreak (and such premises were not regarded as unoccupied as defined in the Policy) during the period when the dispensations applied. 
With effect from 1/10/20 temporarily closed premises must comply with all policy terms and conditions, including (but not restricted to) unoccupied premises conditions, where they fall within the normal policy definition of Unoccupied.
Please note:
1) The start of any period of unoccupancy begins from the date the premises first became unoccupied (not from 1/10/20). 
2) If a premises qualifies as unoccupied on 1/10/20 the insured must comply with all policy terms and conditions for unoccupied premises immediately from 1/10/20 to maintain cover in line with the policy (unless otherwise agreed or varied by us in writing).
3) Premises that are not yet open to customers/other service users, or not yet fully used in the normal way for that premises, but does have daily occupation in line with normal working hours for that premises (such as admin/office functions are now operating, or there is a daily presence in preparing for normal operations to re-commence), will not be deemed unoccupied. 
See the policy definition of Unoccupied for more details. 
If  in doubt please contact us via your normal channel of communication

Outstanding risk improvements, periodic conditions and maintenance conditions – will re-apply from 1/10/20 and all dispensations cease

We temporarily suspended compliance with risk improvements by the deadline specified by us, and other policy terms requiring regular maintenance or inspection, where these could not be completed during the COVID-19 lockdown because of the restrictions on movement and/or the lack of availability of contractors.
With effect from 1/10/20 the suspension of compliance will cease. Any policy term that requires regular maintenance or inspection re-applies from 1/10/20.
In respect of risk improvements, the deadlines for compliance are re-set as detailed below:
The period of time allowed for compliance/completion:
  • Will commence on the date we issued risk improvements to you and run to 12/3/20 
  • Will be suspended for the period from 13/3/20 to 30/9/20 – this period will not be counted
  • Will re-commence on 1/10/20
  • Will now include an additional 30 days in addition to the original period, to cater for the difficulties and interruptions caused by lockdown.
For example, if the deadline set was 30 days from 1/3/20 the end date is now re-set as:
  • 1/3/20 to 12/3/20 (12 days elapsed with 18 days remaining of the original 30)
  • 13/3 to 30/9/20 does not count towards the deadline
  • Deadline period recommences on 1/10/20, so run for 18 days to 18/10/20
  • Plus the additional 30 days now added makes the new deadline 18/11/20
If the re-set deadline is not sufficient for any reason please contact us immediately. Do not wait for the end of the allowed period to expire before contacting us.

Automatic cover beyond renewal date

We allowed for the situation where difficulties relating to the pandemic may have caused delays to agreeing renewal terms by introducing an automatic extension in cover for 30 days beyond renewal. This enhancement is being extended until 30/09/21. Prior to the expiry of this deadline we will review this further to consider if further extensions may be required.